Personal loans in Albany, VT

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Albany's 178 residents. The Census counts 178 people in Albany, the 38th-largest figure among Vermont's 40 places. If debt is already a strain, a nonprofit credit counsellor can help Albany residents before they take on more. Population in Albany dropped about 2.2% over the three years from 2020 to 2023. The next larger city is Barton, VT about 10 miles away.

The Albany data picture

Set out below is Albany's local context next to the state-level rules that reach every lender here.

• Population: an estimated 178 residents, 38th of 40 places in Vermont (Census Vintage 2023 subcounty estimate).
• Population trend: A loss of roughly 2.2% between 2020 and 2023.
• Absolute change: 4 residents lost between 2020 and 2023.
• Size percentile: roughly 5% of Vermont places rank below Albany.
• Population density: about 115 people per square mile across 1.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Albany's 1.5 square miles rank 17th of 40 places in Vermont.
• Water area: Albany has 0.01 square miles of water, ranking 29th of 40 places in Vermont.
• Share of state population: Albany's 178 residents are about 0.1% of Vermont.
• National rank: Albany is the 16,806th most populous of the 19,457 Census places covered here.
• Growth in Vermont: Albany stands 33rd by percentage change from 2020 to 2023, among 40 places.
• Against the state trend: Albany's 2.2% change compares with a Vermont average of -0.1% across its 40 places.
• Density rank: Albany places 39th among Vermont's places by people per square mile.
• Density vs Vermont: Albany's 115 people per square mile compare with a state median of 874.
• Location: 44.7299, -72.3818 (US Census Bureau Gazetteer).
• Nearest larger cities: Barton (10 mi); Orleans (10 mi); Hyde Park (14 mi); Morrisville (16 mi); Johnson (16 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Burke (88 mi).
• Smaller neighbours: 0 places smaller than Albany sit within 50 miles.
• Within 100 miles: 45 places are larger than Albany.

Albany against the rest of Vermont

Set beside Vermont's 40 places, Albany ranks 38th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Albany stands 33rd among Vermont's 40 places — roughly the 18th percentile. At about 115 people per square mile, Albany is the 39th most densely settled place in Vermont. Within 50 miles sit 0 smaller Census places, alongside the 26 that are larger.

The Albany borrowing checklist

Before you apply in Albany, a community of about 178, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Vermont licence with the regulator listed on this page.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Albany-specific: the same Vermont licensing and disclosure rules reach all 178 residents.

Land, water and location for Albany

Albany's land area is about 1.5 square miles; a further 0.01 square miles is water. Spread across it are roughly 115 residents per square mile. Burlington, the largest place in Vermont, is about 45 miles from Albany. Within 50 miles of Albany there are 26 larger Census places. By land area it ranks 17th of 40 Vermont places.

How personal loans work in Albany

In Albany, a small community of about 178, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Albany lender to disclose the APR and finance charge before you sign. The term you choose in Albany decides the split between a comfortable payment and the total interest you pay.

Vermont rules behind a Albany personal loan

Vermont has no separate rate rule for Albany; the sourced rows below are what reach every lender that serves its 178 people.